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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,341 | $61,214-32.5% | $83,322-50.4% | $56,287-26.6% |
| Participation rate | 17.8% | 72.6%-54.8pp | 77.8%-59.9pp | 69.9%-52.0pp |
| Annual return | -9.06% | 0.42%-9.5pp | 10.64%-19.7pp | -9.96%+0.9pp |
| Employer contribution / active EE | $0 | $1,925-100.0% | $3,379-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $1,214 | $5,091-76.2% | $5,565-78.2% | $3,350-63.8% |
| Admin fee / account holder | $378 | $512-26.1% | $7,540-95.0% | $521-27.4% |